How to Apply for the First State Bank Secured Visa Card

If you are having a hard time successfully applying for a credit card, odds are that you’re lacking in creditworthiness and that you need to build or rebuild your credit score. One option to get on the right track is to apply for a secured credit card. With a secured credit card, you will need to make a mandatory security deposit during the creation of the account, the amount of which will determine and be equal to your credit limit. The financial institution that issues your credit card will then have the right to draw from this deposit in the event that your payment is late. With this extra security, you will avoid damaging your credit score and will start rebuilding your current rating. If you happen to live in Macomb County, you may be interested in applying for the First State Bank Secured Visa Card. The APR for this credit option is set at 21.49% (subject to change), which is quite high, but you can consider this another incentive to keep up-to-date with your payments. If you want to apply for the First State Bank Secured Visa Card, scroll down and follow our step-by-step application guide for this card. Once you have improved your credit score by making purchases and paying off your statements right away, you will be able to apply for a more beneficial credit option.

Elan Financial Services (EFS) is the card-issuing company for this credit card. Before you continue, we recommend that you read their privacy policy.


To be eligible for this credit card you must meet the following requirements:

  • Be at least 18 years of age
  • Have a valid US address
  • Have a valid SSN or Tax ID Number
  • Make a security deposit of $300 to $5,000

How to Apply

Step 1 – First, you will need to navigate to the First State Bank credit card page. Once there, click the green Apply Now button to continue.

A new window will open alerting you to the fact that you are now leaving the First State Bank website. Click the OK button.

Step 2 – You will now be on the First State Bank credit card suite page. Locate the Secured Visa Card option and click the Apply Now link below the card name to proceed.

Step 3 – Here, you are asked to indicate whether you would like to pay your security deposit using an online banking account or if you would prefer to do so by sending a cashiers check/money order. Click Get Started beneath the payment option that you wish to employ to get to the next step.

Step 4 – You should now be on the main application form. Here you will be required to complete every field that is marked with an asterisk. Begin by providing the following information into the indicated fields of the Personal Information section:

  • Full name
  • Date of birth
  • SSN or Tax ID #
  • Country of citizenship
  • Alternate country of citizenship
  • Country of permanent residence
  • Primary and mobile phone number
  • Email address

Step 5 – In the Housing Information section, you will be asked to enter all of the information listed below.

  • Street address
  • City
  • State
  • ZIP code
  • Time at address
  • Housing status
  • Monthly payment
  • Alternate mailing address (if applicable)

Step 6 – Next, in the Income and Employment Information section, the following details will be required:

  • Employment status
  • Employer
  • Occupation
  • Annual income
  • Other income (if applicable)

Once you have entered all of the above information, you will be asked to select Yes beside any First State Bank account or service that you already have with them.

Step 7 – In this step you can add a Joint Applicant by selecting Yes and providing the requisite information before continuing.

Step 8 – At this juncture, the following information regarding your mandatory security deposit must be entered into the appropriate fields:

  • Funding account type
  • Account number
  • Routing number
  • Funding amount ($300-$5,000)

Step 9 – Carefully read the disclaimers found beneath the security deposit section before entering your SSN/Individual Tax ID # and ticking the box that certifies that your identification is genuine.

Step 10 – Last but not least, you will need to read and agree to the terms and conditions for the First State Bank Secured Visa Card. If you consent to these terms and wish to proceed, tick the box marked I accept the Terms and Conditions and click Submit to submit your finished application for review.

That’s all there is to it! If everything checks out, we trust that your application for the First State Bank Secured Visa Card will be accepted. Soon you should be able to start improving your credit score and making purchases with your new credit card. We wish you the best of luck and we thank you for trusting Card Reviews as your credit card expert.